Banking services

Nearly 7 million Americans have no access to a bank, according to an FDIC survey. They're low income, non-creditworthy or new immigrants who depend on a web of check cashers and prepaid cards with high fees.

The Postal Service could offer check cashing or sell its own prepaid cards with lower fees. This would be no small addition -- consider that the Italian Post prepaid card generated revenue of $124 million in 2010.